Frequently asked questions

On 16 December 2010 the Governing Council of the European Central Bank has decided to establish
loan by loan information requirements for asset-backed securities. The goal is to push for more
transparency and make information available concerning the underlying loans and collateral.
At first, the loan by loan requirements are introduced for RMBS but will be gradually applicable
to other ABS in the future. The ECB believes that the new data requirements will help both
investors and third-party assessment providers with their due diligence and help mitigate
information-asymmetry. Ultimately, more transparency will help to restore confidence in the
securitisation market. Therefore ECB states that the loan initiative aims to:

Improve transparency in ABS markets by requiring loan-by-loan information to be available
and accessible to marketparticipants on an ongoing basis. This is considered necessary to revive the ABS markets

Facilitate the risk assessment of ABS as collateral used by Eurosystem counterparties in monetary policy operation.

The Dutch Securitisation Association (DSA) was established in October 2012 with the
aim of promoting the interests of both issuers of and investors in Dutch securitisation
transactions. Its ultimate objective is to create a healthy and well functioning market for
Dutch securitisation transactions.

In response to the decline in market activity in the European securitisation market, the
originators of Dutch RMBS transactions jointly started an initiative in 2010 to improve
transparency and reduce complexity of Dutch securitisation transactions. This initiative has
resulted in the introduction of a standard for Dutch RMBS transactions, in respect of both
investor reporting and documentation. It is the intention that in the near future the standard
is to be expanded to cover other asset classes as well.

Loanbyloan.eu makes use of an AES 256 bit (Rijndael) encryption. This encryption method is used
throughout the world and is seen as a “secure” method. This encryption method – opposed to hashing
algorithms, also ensures the ability to decrypt the data. When using the same encryption key the
AES method also produces a specific result for each loan ID.

Each reporting entity maintains a private set of encryption keys. This ensures that different
reporting entities cannot decrypt other ones report.

Loanbyloan.eu uses a combination of the Hypertext Transfer Protocol with the SSL/TLS protocol
to provide encrypted communication and secure identification of the network web server.
This ensures reasonable protection from eavesdroppers and man-in-the-middle attacks.

Once your login request has been approved you will receive an email with a link to this site.
Use this link to setup your password. The password you choose will need to meet the
following requirements:

It is 7 to 16 characters long.

It cannot contain Unicode characters.

It must contain characters from at least three of these four categories: